Why invest in University Bancorp?

University Bank is focused on profitable growth through niche financial services provided locally, nationally and via the Internet. Several of these niches, such as serving Credit Unions and Islamic Finance, we expect to become important profit drivers in 2007.

The credit union industry is gaining market share from all other financial institutions. University Bancorp offers investors one of the few ways to invest in this ongoing growth of the credit union sector. Our Midwest Loan Services subsidiary grew 32% per year on average for the past eight years in the value of mortgage loans subserviced to over $4.0 billion. Midwest is a business process outsourcer of mortgage services to 2.8% of the credit unions in the U.S., including 3 of the top 25 credit unions.

Key Manager Statement

“If you are interested in getting in on the ground floor in a financial institution, small community banks are where the action is. Our bank has a market capitalization today of only $9 million. In 2005 our bank was the second most profitable in the entire U.S. based on our 66.3% Return on Equity. Learn more about our story, our track record of successful innovation and what the future holds for us.”

Stephen Lange Ranzini
President

Key Statistics:

• Shares Outstanding: 4,255,878
• Shares in Free Float: 1,287,457 (30.25%)
• University Bancorp Current Stock Price Quote

Release Date Schedule for Financial Updates to Shareholders
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Click here to view/download the Corporate Strategic Plan

	Investor Relations Contact
	Stephen Lange Ranzini, President 2015 Washtenaw Avenue, Ann Arbor Michigan 48104 Phone: (734) 741-5858 xt 226 Fax: (734) 741-5859 Email: ranzini@university-bank.com

Cautionary Remarks About Future Predictions
Any prediction of the future in inherently not assured. Investors should read the risk factors on pages 23 and 24 in the Company’s Securities Exchange Commission report on Form 10-K for the year ended December 31, 2007 and any prediction in this release in intended to be covered by the Safe Harbor provisions of Section 21E of the Securities Exchange Act of 1934.

Required Regulatory Statement on Risk
The securities of University Bancorp have NO FDIC Insurance and carry RISK OF LOSS: The securities are not insured by the FDIC or the Bank. The securities are subject to investment risks, including the possible loss of the principal amount invested.